Area Head – PCARM

Job Description:

The Area Head – PCARM will be responsible for driving business growth, managing a team, and ensuring the achievement of sales targets for Personal and Commercial Asset products. This role involves building strong relationships with clients, leading a high-performing team, and ensuring operational efficiency.

• Key Requirements:

 Good understanding of CA, Trade & Forex, CMS and Asset products – CC, OD, TL,
Export Finance
 Self-starter, Understanding of financial markets and economic trends, excellent
communication and interpersonal skills.
 Ability to manage complex client requirements.
 Demonstrated track record of acquiring and managing portfolio of High Value Entity
customers
 Good experience in acquiring Trade Forex, EXIM Customers
 Sales experience and knowledge of products like CMS, Lending, POS machines
 Demonstrate ability in sales planning and conceptualize promotions and marketing
initiative
 Strong strategic ,communication and negotiation skills
 Sales Management, Strong interpersonal and communication skills
 Leadership and team management skills
 Process Orientations – self-discipline to adhere to laid down processes
 Have High integrity and professional values
 Have passion for selling and entrepreneurial orientation

• Build and manage a team of 8-12 Premium Current Account RMs
•  Ensure acquisition of Premium Current account customers and value build up in
• the accounts.
•  Responsible for achieving the allocated targets pertaining to CA productivity and
• fee income through Trade & Fx, Assets, Debit cards and CMS.
•  Identification and development of new business segments and geographical areas
• to generate business opportunities.
•  To ensure regular catchment mapping & scoping for the CA, Trade forex Business
• through a team of PCARMs, prepare a list of potential high value customers from
• each identified segments in the catchment
•  Working in a dynamic and fast paced environment with cross-functional teams to
• design, collaborate and provide tailored solutions for customer needs.
•  To maintain continuous customer engagement with all customers sourced by Team
• through customer visits /joint calls
•  Drive profile based cross sell of value added products such as Trade Forex ,CMS,
• POS, Doorstep banking ,Working capital / other loan needs
•  To implement the sales monitoring mechanism to measure the productivity of the
• team
•  To monitor the quality of products sourcing in order to evaluate developmental
• needs of the sales team and drive the sales system towards quality standards
•  Effectively manage and motivate team
•  Hiring and retention of competent team members
•  Working closely with other Business Units, Regional level sales team and Branch
• Team to leverage Acquisition and Cross-sell opportunities
•  Ensuring adherence to Compliance processes and guidelines
•  Coordination with other departments to ensure an enabling work environment and
• infrastructure for the team
•  Performance evaluation of RM Team in consultation with other stakeholders

Preferred Background:

• Prior experience in managing Personal & Commercial Loan products.
• MBA/PGDM in Finance, Sales, or a related field preferred.